Right now, you’re paying 100% of your bills. With CrowdPays™, you don’t have to anymore.

If you spend $4,000 or more each month on household and personal expenses, you’re already paying that money. The question is — why keep paying the full amount?

With CrowdPays™, you move your existing bill pay to one of our FDIC-insured banking partners. Your bills are still paid on time and in full — nothing about them changes.

What changes is how much of your own money you use.

When members pay their bills through CrowdPays™, the club applies Cash Back Rewards directly toward those same expenses. That means if your monthly bills are $4,000, you may only need to deposit $3,500 — for the same bills. No budgeting. No lifestyle changes. Just a lower cost of living using the money you already spend.

Every month you wait is another month you pay more than you have to.

Over time, CrowdPays™ continues applying Cash Back Rewards toward your expenses, reducing your total cost of living without loans or debt.

Eligibility: Membership is available to adults 25 and older who are employed full-time and currently spend between $4,000 and $20,000 per month on verified household and personal expenses. Eligibility is based solely on verified expenses and W-2 income — no credit checks, no debt, and no repayment obligations. Members enter the details of their monthly personal and household expenses into the CrowdPays™ platform so their monthly expenses are paid by the automated bill pay concierge through FDIC®-insured partner banks. Cash Back Rewards: As part of the membership rewards structure, When members pay their personal and household bills through CrowdPays™, the club applies “Cash Back Rewards” toward those same bills. The bills are still paid in full

An Introduction…

What’s CrowdPays™?

CrowdPays™ is a members-only bill pay club that offers Cash Back Rewards for paying the same bills you already pay.

Bank-Level Security & Processing

Members don’t change their lifestyle, their spending habits, or what they buy. They simply allow their household bills to be paid by CrowdPays™ — and the club applies Cash Back Rewards toward those bills each month. CrowdPays™ operates through a regulated, FDIC-insured banking infrastructure used by major financial institutions. All payments are processed through established banking relationships, including Truist and JPMorgan Chase — helping ensure your bills are handled securely, reliably, and on time.

You’re not leaving your bank — you’re optimizing how your bills get paid!

This isn’t budgeting software, financial advice, or a relief program.
Many people think they could save 10% on their own by trimming expenses — and technically they can. But CrowdPays™ rewards every dollar you spend, automatically. Even if you cut back on your own, the rewards still apply — giving you extra money in your pocket without lifestyle changes, budgeting, or sacrifice.
If you already pay your bills, you already qualify.

The Power of Group Economics: When households deposit their bill pay money into one account at one of our banking partners, the deposits are high enough for that bank to pay CrowdPays a hefty commission for bringing bill pay deposits. CrowdPays™ shares its rewards with you to reduce what each member has to contribute. That’s the reward for participating — not cash, not credit, just less of your paycheck going toward the same bills.

People don’t join because they’re struggling. They join because the club “lowers your cost of living”, so more money stays in your pocket at the end of the month — Over time, many members are responsible for only a portion of their total monthly costs — even though 100% of their bills are paid automatically, on time, and in full.

Each household opens a CrowdPays™ bill pay account and deposits what it already spends on verified expenses, divided into predictable weekly amounts. Deposits are processed through regulated, FDIC®-insured banking partners. CrowdPays™ does not issue loans, advances, or cash payments.

No lifestyle changes.
No spending changes.
No new bills.

What changes is how much of your money it takes.

CrowdPays™ is sometimes described as a Bill Pay SuSu™ — a modern, coordinated system where households pay together, bills stay fully covered, and each member’s share gets smaller.

Same bills. Fully paid.
More money left at the end of the month.

Would you like a link to be interviewed for membership in the CrowdPays Network? Here it is: Link

Why CrowdPays™ Works for Members

CrowdPays™ starts working the moment you join.
You list the household bills you already pay and make the same predictable weekly deposits based on your real expenses. Nothing about your spending or lifestyle changes.

Your bills are still paid on time and in full — but now through a system designed to reward you for paying them, leaving more money with you after everything is covered.

More Money Left Over — Automatically

After your first 90 days, CrowdPays™ begins rewarding members as part of the club’s membership structure.

As participation continues, members begin receiving value back from the system — meaning it takes less of their own paycheck to support the same fully paid bills, and more money stays with them at the end of each month.

Same bills. Same coverage. More money left over.

You Decide How the Benefit Shows Up

You stay in control.

As the membership rewards grow, you decide how the benefit is experienced — whether that means keeping more money in your paycheck each month or directing it toward savings or investments you already control.

CrowdPays™ doesn’t manage, move, or advise on your money. It simply turns ordinary bill payments into a financial advantage.

What to Know Up Front

Simple Membership Structure:
For a one-time $149 enrollment and $99/month, members unlock a bill-pay–based Cashback Rewards system designed to turn everyday expenses into long-term financial advantage. The monthly membership is integrated into your bill pay system, effectively shrinking over time as rewards increase—and can ultimately be offset entirely by those rewards.

Based on the Bills You Already Pay.

Membership rewards are tied to your verified household and personal expenses — the same bills CrowdPays™ pays on your behalf.

No Debt. No Repayment.
This is not a loan, advance, or credit product. There is nothing to pay back and no new obligations created.

Consistency Is What Creates the Reward
Members complete an initial 90-day period before rewards begin. That consistency enables the club to return value to participating households over time reliably.

The Simple Truth

People don’t join CrowdPays™ because they can’t manage their money, or struggle to pay their bills. They join because they want more money left over after they’re paid. “a little extra financial breathing room”

CrowdPays™ makes that happen — without changing how you live.

Get Started

Your Expense Account Comes With:

• Secure login access to track deposits, bills, and contributions
• A unique Bill Pay Account for household expenses
• Automatically decreasing weekly deposits as your contributions grow
• Real-time bill payment tracking and discretionary spending reports
• An affiliate dashboard to share your referral link and watch your contributions increase
• Cash-flow and planning tools for debt payoff, savings, or investments
• (Optional) Investor tools to help you put freed-up cash to work

Imagine This: Paying bills doesn’t just cover expenses—it builds lasting contributions you can direct toward lowering your cost of living or funding your financial future.

Estimate by Graph

How to Start on CrowdPays™

Getting Started

You open a CrowdPays™ Expense Account and deposit enough to cover your normal monthly household and personal expenses. CrowdPays™ pays every bill on time and in full through regulated banking partners.

After an initial onboarding period, the system begins Chippin In™ internally — applying membership rewards directly toward your verified bills. Over time, this reduces how much of your own money it takes to keep all expenses fully paid.

As participation continues, CrowdPays™ can offset up to 50% of verified household expenses, applying between $160,350 and $800,000 directly toward members’ bills over the life of their participation.

This support is applied through bill payment — not as cash.

How Members Experience the Benefit

You stay in control of your finances.

As CrowdPays™ applies more toward your bills, your required weekly deposits decrease. The result is immediate cash-flow relief — simply because fewer dollars are needed to keep the same bills fully paid.

What you do with the money that remains in your paycheck is entirely up to you. CrowdPays™ does not manage, direct, or advise on savings or investments.

What This Isn’t

• No loans
• No credit checks
• No repayment obligations
• No investment risk
• No budgeting harder or lifestyle changes

What You Are Doing

You’re paying the same bills, through a smarter bill pay system — one that rewards participation by steadily reducing how much of your income goes toward the cost of living.

CrowdPaying™ (v.)

Paying household bills through a coordinated group system that returns value by applying money toward your expenses — freeing more of your income each month and increasing your Household Economic Index (HEI).

We Chip In While We Pay all Household & Personal Expenses

Mortgage/Rent, 2nd Mortgage, Vehicle Loans, Credit Cards, Student Loans, Furniture Loans, Personal Loans, Lines of Credit, Investments, Child Support, Electricity Bills, Natural Gas Bills, Cell Phone Bills, Legal Bills, Vehicle Insurance, Streaming, NetFlix, Hulu, Life Insurance, Health Insurance, Water Bills, Sewer Bills, Property Taxes, Homeowners Insurance, Streaming Bills, Cable Bills, Internet Services, Gym Bills, Vehicle Gasoline, Groceries, Religious, Trips, Vacations, Amazon, Cosmetics, Barber, Salon, Dry Cleaners, Entertainment, Clothes Shopping, Other Miscellaneous Items, college tuition, storage unit, renters insurance, HeLoc

You are the Ideal Client

Busy People:

Doctors
Attorneys
Corporate Managers
Entertainers
Nurses
Athletes

Any W2 Employee

Quality of life Improvement:

People who want to live worry-free.
The Elderly
Caregivers of the Elderly
Retirees

Anyone

The Financially Concerned:

Newlyweds with new babies
People who want to pay off debt.
Investors
People who want financial freedom

Anyone

Frequently Asked Questions

What is CrowdPays™?

CrowdPay™ Inc., doing business as CrowdPays™, is a Financial Technology Company (NAICS 522320) providing concierge-style automated bill pay through its proprietary SaaS platform. As a NeoBank-lite financial services provider, CrowdPays™ routes and pays household bills through FDIC®-insured partner banks using regulated money-transmitter infrastructure.

Think of CrowdPays™ like PayPal — but for paying household bills together through one coordinated system. Just as PayPal simplifies how money moves between people and businesses, CrowdPays™ simplifies how recurring bills are paid by centralizing deposits, scheduling payments, and applying internal membership rewards directly to verified expenses.

CrowdPays™ does not lend money, advance funds, or allow borrowing. All bills are paid using member-directed deposits and internal bill-pay credits applied as part of the membership reward structure. No credit is extended, no debt is created, and no repayment obligation ever exists.

How Did CrowdPay™ come about?

In 1994, the founder Karriem Ali wanted to show hard-working American households a better way to execute their budget. One that when used, would generate an instant savings for the household on the total out-of-pocket for everyday household bills and expenses. It was not until 2018 did the digital technology become available for us to help individual households on a UX (User Experience) platform. So CrowdPay™ was born.

What is Crowd Paying?

CrowdPaying™ is a bill-pay membership system where members make predictable weekly deposits to cover their household and lifestyle bills. These deposits are processed through a coordinated, verified system that pays bills on time and in full — every month.

How CrowdPaying™ Works

Weekly Deposits for Monthly Bills
Members make one weekly deposit based on their verified monthly expenses. Those deposits are used to pay bills through FDIC-insured banking partners, ensuring payments are made accurately and on time.
Group Efficiency
Because many households pay through the same system consistently, CrowdPays™ can operate more efficiently than individual bill pay. This efficiency is the source of the member rewards.
Rewards Applied Directly to Bills
After the initial onboarding period, CrowdPays™ begins applying membership rewards — internal bill-pay credits — directly to verified bills. This reduces the amount members need to deposit, while keeping 100% bill coverage intact.
Long-Term Benefit
The longer a member stays active, the more rewards they may receive — gradually lowering their weekly deposit requirements over time.

What is the benefit of CrowdPays™ Paying Your Bills?

Convenience! | Stress Relief! | Peace of Mind!

Even if you’re excellent at paying your bills on time, a CrowdPays™ Bill Pay Account gives you exclusive membership benefits that go beyond ordinary bill pay.

How CrowdPays™ Works

When you deposit money into your CrowdPays™ Bill Pay account, the system is able to operate more efficiently through group economics. That efficiency creates internal bill-pay credits that CrowdPays™ applies directly to your verified bills and expenses.

The bigger the membership, the more support the system can provide.
So the more households that participate, the more of your expenses the system can cover.

Benefits of CrowdPaying™

1. Financial Efficiency

Because members pay through one coordinated system, CrowdPays™ can reduce the cost of bill payment and share the savings back to members through bill-pay credits.

2. Guaranteed Bill Payments

Your bills continue to be paid on time and in full, even as your required weekly deposit decreases over time.

3. Increasing Savings Over Time

The longer you participate, the more your required weekly deposit can decrease. That means more money stays in your paycheck each month, without changing your lifestyle or spending habits.

Bottom Line

Opening a CrowdPays™ Bill Pay account ensures your bills are paid efficiently while maximizing your savings through the power of collective bill paying.

Minimum Savings Guarantee

No matter how well you manage your budget, CrowdPays™ starts delivering value immediately:

At least $250/month added to your bill coverage for the first 90 days
Minimum increases to $400/month after that
Continues increasing until CrowdPays™ covers up to 50% of your verified household expenses

How CrowdPays™ Make It Happen?

CrowdPays™ is a FinTech bill pay platform built on a simple business model:
volume + consistency = savings.

Here’s how it works:

1. We operate like a modern banking service

As a FinTech provider, we rely on consistent weekly deposits from members to maintain a sustainable system.
Because members pay their bills through one coordinated platform, CrowdPays™ can use scale and efficiency to reduce costs.

2. Group economics creates savings

When many households pay their bills through CrowdPays™, the system gains leverage from:

volume bill pay deposits
predictable payment schedules
operational efficiency
banking infrastructure and partnerships

Those efficiencies create internal bill-pay credits that can be applied to members’ bills.

3. We pass the savings back to members

The more households that join and stay consistent with deposits, the more savings the system generates.

That’s how CrowdPays™ can reduce your weekly deposit over time while still paying 100% of your bills in full and on time.

4. The crowd is the reason we can do it

From individual members to our “Tell a Friend” Affiliate Plan, every household added to the system increases the overall scale and strengthens the club.

That’s why CrowdPays™ can create a structure where your required weekly deposit gradually decreases — even though your bills stay fully paid.

In short:

CrowdPays™ works because bill paying is pooled, predictable, and scalable — and the savings from that scale are shared with members.

What are the requirements? Where do I start?

Our requirements are simple:

Monthly Bills Minimum – Minimum Net Household Expenses: $4,000/mo.
Financial Stability – Must be able to afford weekly deposits for bill pay (Example $1,000/week)
Age – Minimum age is 25, Maximum age is 65 years.

My household expenses total $4,082 per month. I joined in January 2021, initially depositing $1,021 weekly into my Expense Account to cover bills. By January 2025, I will max out at 50% of my expenses, depositing only $510 per week—meaning CrowdPays™ pays the remainder. My bills are all paid in full. CrowdPays™ will free up $2,041 per month, and my financial advisor is very pleased with my progress. A. Cozart

My household expenses total $7,660 per month. Since joining in October 2024, I started by depositing $1,915 weekly into my Expense Account to cover bills. By June 2025, my weekly deposit will drop to $1,628—meaning CrowdPays™ pays the difference to guarantee my expenses are paid in full. This generates a $1,148 monthly credits that continues to grow thanks to the Bill-Pay Payout. K. Campbell

Our household expenses total $4,800 per month. When we joined in March 2024, we deposited $1,200 weekly into our Expense Account to cover bills. By June 2025, we’re only depositing $879 per week — meaning CrowdPays™ pays the difference to cover the rest of our expenses. L. Byrd

Our household expenses total $5,565 per month. When we joined in January 2021, we deposited $1,391 weekly into our Expense Account to cover bills. By January 2025, we’ll only need to deposit $696 per week—meaning CrowdPays™ pays the remainder. My bills are all paid in full. CrowdPays™ freed up $2,990 per month, letting us keep more cash in hand without extra loan payments. C. Blue

My household expenses total $6,200 per month. When I joined in March 2023, I deposited $1,551 weekly into my Expense Account for bill pay. After referring 4 people, my weekly deposit dropped to $861—with CrowdPays™ paying my full expenses. CrowdPays™ has freed up $2,967 per month for me to invest or spend as I choose. B. Webster

My household expenses total $3,800 per month. I joined in May 2020, initially depositing $950 weekly into my Expense Account. Since June 2023, I’ve been depositing just $511 per week—covering only 50% of my expenses—while CrowdPays™ pays the remainder. My bills are all paid in full. This has allowed me to consistently free up $2,042 per month for the past year and a half. T. Holt

Ask About Our “Tell A Friend” Referral Program

If your personal and household expenses are $3,500 per month, referring just 2 households means CrowdPays™ will only collect $3,000 from you—the crowd covers the remaining $500!

The larger your crowd, the less you pay each month.

Your Guaranteed benefit is Capped at 100% of Amount of Your Monthly Bills & Expenses. Use the calculator below to find out how many referrals it takes for CrowdPays to cover 100% of your household bills.

Tell a Friend Calculator

Tell A Friend Calculator

Enter your monthly expenses:

About Us

Not Financial Advice... Financial Freedom.

It’s been our experience that people don’t listen to financial advice because they believe they are not in a financial position to follow the given instructions. So we don’t offer Financial Advice. Instead, we provide real-life Financial Freedom.

It All Starts with Managing the Money You Spend!

At CrowdPays™, we want to give working families spending under $20,000/month in household expenses…

A Financial Leg Up!

Using our signature software, CrowdPays™ we are able to Split the cost of monthly household expenses for just about any working household in the United States.

All of your bills in one place: CrowdPays™ manages your money so you don't have to. It is an FDIC® Insured automated Concierge

Maximum flexability: We pay anyone. From your gardener to your credit card bill. Tell us who, when and how much.

Bills are paid on-time, no late fees: Alerts notify you of impending due dates. Alerts you when a bill has been paid.

Safe and Secure: All information sent to and from the CrowdPays™ is encrypted and sent through a secure Internet connection.

Get Started

Legal Disclosure

Disclosure:

CrowdPay™ Inc., doing business as CrowdPays™, is a financial technology company that provides concierge-style automated bill payment services through a proprietary software platform. CrowdPays™ is not a bank. All bill payments are processed through FDIC®-insured partner banks using regulated money-transmitter infrastructure.

CrowdPays™ operates exclusively as a bill pay club providing cash back rewards. Members open user-named internal Expense Accounts used solely for paying verified, recurring household and personal bills such as rent, utilities, insurance, subscriptions, and other approved expenses. CrowdPays™ does not issue loans, advances, credit, or cash payments, and does not provide investment or financial advisory services.

Cash Back Rewards

CrowdPays™ may apply internal cash back rewards toward a member’s verified expenses based on participation, deposit consistency, and platform eligibility criteria. Cash back rewards are not withdrawable, and are applied only within the bill pay system to reduce future required deposits while bills remain paid in full.

Over time, eligible members may receive substantial internal bill coverage applied directly to their household expenses. Results vary by household and participation level.

Not a Loan. Not Cash. No Repayment.

All CrowdPays™ credits and benefits:

Are not loans, advances, or credit products
Do not require repayment
Do not accrue interest
Are not reported to credit bureaus
Do not result in personal debt

Members are responsible only for making scheduled deposits sufficient to cover their bills after applicable internal credits are applied.

SuSu Reference (Modernized)

CrowdPays™ is sometimes described as a modernized “Bill Pay SuSu” because members coordinate bill payments through a shared system that uses scale and predictability to reduce how much each household must contribute. Members do not receive cash from other members, do not participate in rotations, and do not depend on recruitment.

Compliance & Controls

CrowdPays™ complies with applicable KYC (Know Your Customer) and AML (Anti-Money Laundering) requirements. All deposits are member-initiated. CrowdPays™ does not initiate withdrawals from external member bank accounts and does not distribute funds directly to members.

Investment Disclaimer

CrowdPays™ does not offer investment advice, manage investment accounts, or act as a fiduciary. Any financial decisions made outside the CrowdPays™ platform are the sole responsibility of the member.